Call reports 2008
BILTMORE BANK OF ARIZONA, THE — 2008
What BILTMORE BANK OF ARIZONA, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 230,816,000 | 211,248,000 | 248,525,000 | 235,083,000 |
| Total loans | 176,246,000 | 187,718,000 | 184,451,000 | 188,950,000 |
| Allowance for loan losses | 2,989,000 | 3,401,000 | 3,883,000 | 3,680,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 702,000 | 604,000 | 401,000 | 18,429,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,334,000 | 174,723,000 | 212,736,000 | 207,339,000 |
| Interest-bearing deposits | 183,891,000 | 164,336,000 | 199,708,000 | 196,041,000 |
| Noninterest-bearing deposits | 10,443,000 | 10,387,000 | 13,028,000 | 11,298,000 |
| Equity capital | 35,199,000 | 34,991,000 | 34,272,000 | 26,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,792,000 | 6,998,000 | 9,945,000 | 12,583,000 |
| Interest expense | 1,498,000 | 2,558,000 | 3,546,000 | 4,721,000 |
| Net interest income | 2,294,000 | 4,440,000 | 6,399,000 | 7,862,000 |
| Noninterest income | 199,000 | 356,000 | 275,000 | 694,000 |
| Noninterest expense | 2,042,000 | 4,148,000 | 6,286,000 | 8,421,000 |
| Provision for loan losses | 285,000 | 707,000 | 1,912,000 | 7,693,000 |
| Pretax income | 166,000 | -59,000 | -1,524,000 | -7,558,000 |
| Income tax | 0 | 0 | 0 | 1,737,000 |
| Net income | 166,000 | -59,000 | -1,524,000 | -9,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,462,000 | 33,254,000 | 32,535,000 | 26,518,000 |
| Total capital | 36,340,000 | 36,197,000 | 35,482,000 | 29,576,000 |
| Risk-weighted assets | 230,023,000 | 234,884,000 | 234,855,000 | 243,842,000 |